Category Archives: Health Law

Forbes: Obamacare Insurers Lost Billions “Financial Bloodbath”

The Congressional Budget Office CBO predicted that profits from ObamaCare’s top insurance companies would generate $8 Billion for the “Risk Corridor” – the pool of money to help insurers that lost money in the program. So how did the CBO do?

Forbes:

The new data shows that the amount insurers who made money in the individual market were required to contribute in 2015 was $89 million but the claims by losers against that money for that year amount to $5.3 billion. This is a ratio of about 60 to 1.  The figures for the small group market are even worse: profitable insurers contributed a paltry $6 million to Risk Corridors. Losers in the small group market are owed $594 million for 2015.

It is hard to overstate how bad the 2015 data is.  Here are some ways of assessing the magnitude of the financial bloodbath.

  • Although the individual market was considerably bigger in 2015 than it was in 2014, contributions to Risk Corridors were only about 1/4 as much in the individual market
  • There was one insurer in the individual market who made enough money in the exchanges that it could contribute over $10 million into Risk Corridors.  There were 105 insurers in the individual market who lost enough money in the exchanges that they are owed over $10 million.
  • There was one insurer in the small group market who made enough money in the exchanges that it could contribute over $1 million into Risk Corridors. There were 61 insurers in the small market who lost enough money in the exchanges that they are owed over $10 million.
  • There were 24 states in which not a single insurer made a contribution to Risk Corridors in the individual market.
  • There were 33 states in which not a single insurer made a contribution to Risk Corridors in the small group market.
  • There are nine insurers (Blue Cross Blue Shield of Texas”, “Blue Cross Blue Shield of Illinois”, “Blue Cross and Blue Shield of NC”, “Freelancers Health Service Corporation d/b/a Health Republic Insurance of New York”,  “BCBSM, INC.”, “Highmark Inc.”, “Health Net Life Insurance Company”, “Blue Cross Blue Shield of Oklahoma”, “Humana Employers Health Plan of Georgia, Inc.”, “Colorado Health Insurance Cooperative, Inc.”) that have each requested more than $100 million  in Risk Corridors money — more than all the contributions for 2015 put together.
  • Blue Cross Blue Shield of Texas did so poorly it has requested $596 million in Risk Corridors money.  It likely won’t see a dime of it.  (This might explain why Blue Cross/Blue Shield requested a 58% rate increase for 2016).

 

Watch Maria Bartiromo Destroy Obamacare Architect Jonathan Gruber for Lying to Her Face (video)

Most people are very nice and would have a hard time accepting that someone would straight up lie to their face in the face of overwhelming evidence otherwise. They think this way because of the Golden Rule. A regular person would not do this to someone so why would someone lie like this to you?

As so many of the books, such as Rules for Radicals, from the progressive secular left make clear; use the people’s sense of good will and decorum against them. The left has mastered this.

When Democrat Senate Leader Harry Reid was called out about his false claims accusing  Mitt Romney of tax evasion he smiled and said, “Well Romney didn’t get elected did he?

When Hillary tells donors that she has a public position and a private position on public policy. When you see Van Jones or Anthony Weiner or Donna Brazile get on television and tell bold faced whoppers  with the straightest face, you begin to understand lying is simply a non issue for the left. It is a tool for calculated aggression.

This web site and many others are packed with verifiable evidence about the costs and failures of Obamacare. Anyone with access to an internet search engine can debunk everything Jonalthan Gruber says here within minutes. Obamacare costs are up, way up, for both individuals and employers. The number of hours worked is down. If you are like most working people you have seen this personally.

Gruber was made infamous when in private meetings he was taped explaining that the Obama Administration counted on the stupidity of the American to pass Obamacare.

Trump Transition Outlines Healthcare Goals

Donald Trump at GreatAgain.gov:

It is clear to any objective observer that the Affordable Care Act (ACA), which has resulted in rapidly rising premiums and deductibles, narrow networks, and health insurance, has not been a success.  A Trump Administration will work with Congress to repeal the ACA and replace it with a solution that includes Health Savings Accounts (HSAs), and returns the historic role in regulating health insurance to the States.  The Administration’s goal will be to create a patient-centered healthcare system that promotes choice, quality and affordability with health insurance and healthcare, and take any needed action to alleviate the burdens imposed on American families and businesses by the law.

To maximize choice and create a dynamic market for health insurance, the Administration will work with Congress to enable people to purchase insurance across state lines.  The Administration also will work with both Congress and the States to re-establish high-risk pools – a proven approach to ensuring access to health insurance coverage for individuals who have significant medical expenses and who have not maintained continuous coverage.

The Administration recognizes that the problems with the U.S. health care system did not begin with – and will not end with the repeal of – the ACA.  With the assistance of Congress and working with the States, as appropriate, the Administration will act to:

  • Protect individual conscience in healthcare
  • Protect innocent human life from conception to natural death, including the most defenseless and those Americans with disabilities
  • Advance research and development in healthcare
  • Reform the Food and Drug Administration, to put greater focus on the need of patients for new and innovative medical products
  • Modernize Medicare, so that it will be ready for the challenges with the coming retirement of the Baby Boom generation – and beyond
  • Maximize flexibility for States in administering Medicaid, to enable States to experiment with innovative methods to deliver healthcare to our low-income citizens

ObamaCare Costs Skyrocket. Fewer Have Private Insurance Today Than in 2007.

As many of our readers have seen in news reports, ObamaCare premiums (the part that you pay) are going up in a big way. Who can afford such expensive monthly payments and on top of that an out of pocket deductible of $6,000? As predicted so long ago, only the very sick would buy such a policy.

Since the economy tanked and has largely flat-lined, many more people are on medicare, but ObamaCare promised to make private insurance more affordable so that it would be easy for regular people to sign up:

…but that’s not what ended up happening. Today, millions are losing their insurance again as insurance companies bail on ObamaCare with massive losses, and even Bill Clinton threw up his hands and said that ObamaCare is the “craziest thing in the world“.

It just didn’t work.

Weekly Standard:

According to the Centers for Disease Control and Prevention (see table 1.2b), 66.8 percent of those living in the United States had private health insurance in 2007. Now, as of 2015 (the most recent year for which figures are available), only 65.6 percent of those living in the United States have private health insurance.

It turns out that median incomes aren’t the only thing that have dropped since 2007.

There are currently about 320 million people living in America. If the percentage who have private health insurance were as high now as it was in 2007, 3.8 million more people would now have private health insurance.

Meanwhile, the CDC figures show that the percentage of people living in the United States who have public health coverage has risen dramatically, from 18.1 percent in 2007 to 25.3 percent in 2015 (see table 1.2a). If that percentage had stayed the same as in 2007, 23 million fewer people would now have public health coverage. In other words, Obamacare is a massive Medicaid expansion.

 

1.4 Million in 32 States to Lose Health Insurance as ObamaCare Fails

It is like we and others reported in 2009/10, Obamacare is a system that is designed to fail. Obamacare designer John Gruber said that they had to lie to sell it.

Yours truly went to insurance school and passed the state exam on the first attempt so understanding how it was designed to fail wasn’t exactly rocket science.

Here is the bad news from Bloomberg:

A growing number of people in Obamacare are finding out their health insurance plans will disappear from the program next year, forcing them to find new coverage even as options shrink and prices rise.

At least 1.4 million people in 32 states will lose the Obamacare plan they have now, according to state officials contacted by Bloomberg. That’s largely caused by Aetna Inc., UnitedHealth Group Inc. and some state or regional insurers quitting the law’s markets for individual coverage.

 

Bill Clinton: Obamacare is the craziest thing in the world (video)

Bill sends the Hillary campaign into meltdown damage control mode….

What Bill says here is actually mostly true, of course his statements about the market are half nonsense. He says that Hillary wants to replace Obamacare….well no she doesn’t.

MSNBC said that Hillary should take Bill off the campaign trail:

Obama Care Insurance Rates in Tennessee to Increase 62%

WGNS:

Senate health committee Chairman Lamar Alexander (R-Tenn.) made the following statement on the premium increases ranging from 44 to 62 percent made final Tuesday for all three plans on Tennessee’s Obamacare exchange:

Tennesseans cannot afford 44 to 62 percent Obamacare price increases that will force them to make difficult decisions about their daily lives and their family budgets. They should not have to pay the price for a terrible health care law and the refusal by Democrats in Washington to see what is plainly obvious–that Obamacare is failing. The Tennessee insurance commissioner says that the Obamacare exchange in Tennessee is ‘very near collapse.‘”

He continued, “Congress should give states more flexibility to support a sustainable private health insurance market and to give individuals and their families more options to purchase lower-cost private health insurance plans outside of Obamacare. No matter which party is in the White House in January, we are going to have to take a good, hard look at Obamacare, which is bearing down on American families in a way that cannot be allowed to continue.”

Background: In June of 2016, health insurance providers throughout Tennessee submitted their proposed plan rates for 2017 to the Tennessee Commissioner of Insurance. All health insurers requested a double-digit increase, with the highest being 62 percent. In an unprecedented move, the Tennessee Insurance Commission earlier this month allowed two of the three health insurance providers to increase their original insurance rate requests of 23 and 29 percent to allow the companies to continue to offer health plans in Tennessee.

The Tennessee Department of Commerce and Insurance announced it has approved 62, 46.3%, and 44.3% increases for the three insurers on Tennessee’s Obamacare exchange.

Tennessee Department of Commerce and Insurance Commissioner Says Near Collapse:

Speaking to The Tennessean, Tennessee Department of Commerce and Insurance Commissioner Julie Mix McPeak said, “I would characterize the exchange market in Tennessee as very near collapse … and that all of our efforts are really focused on making sure we have as many writers in the areas as possible, knowing that might be one. I’m doing everything I can to prevent a situation where that turns to zero.

Obamacare Architect: Obamacare deliberately written to fool American poeple, CBO… (video) – UPDATED!

This is Jonathan Gruber, a far left “health care economist” from MIT. He is one of the key architects of the Obamacare law. If you ever doubted what we tell you here on a regular basis about how far politicians will go to lie to the American people, prepare to have those doubts evaporated:

Gruber does not mince words. He states that Obamacare was written in a deliberately “tortured” way and relied on the “stupidity of the American voter” to ensure its passage.

“This bill was written in a tortured way to make sure [the Congressional Budget Office] did not score the mandate as taxes,” Gruber said. “If CBO scored the mandate as taxes, the bill dies. OK, so it’s written to do that. In terms of risk-rated subsidies, if you had a law which said that healthy people are going to pay in – you made explicit healthy people pay in and sick people get money, it would not have passed.”

“Lack of transparency is a huge political advantage,” Gruber said. “And basically, call it the stupidity of the American voter or whatever, but basically that was really really critical for the thing to pass.”

Better for Americans to be slapped with a law they don’t understand, than for them to understand the law and work against it, Gruber claimed. “Look, I wish … we could make it all transparent,” Gruber said, “but I’d rather have this law than not.”

So much for the consent of the governed.

See more of Jon Gruber here, in which you can catch him in another whopping lie:

UPDATE – Megyn Kelly responds HERE. Congressman Trey Gowdy responds HERE.

UPDATE II – Another video of Gruber saying the American people are stupid HERE.

UPDATE III – Third video where he says it again:

UPDATE IV – OH look! Another big shot Democrat lying about Obamacare. Keep in mind in the video linked, that 71% of so called Obamacare signups are really people who have signed up for Medicaid – LINK.

UPDATE V – Nancy Pelosi says that she has never heard of Jonathan Gruber and that he had nothing to do with writing the bill. Unfortunately for Pelosi has mentioned him by name several times on video and on her web site:

Pelosi cited ObamaCare architect in push for law – now claims she hasn’t heard of him – LINK.

https://twitter.com/FirstTeamTommy/status/532932891991609344

https://twitter.com/FirstTeamTommy/status/532933664976678912

https://twitter.com/FirstTeamTommy/status/532934269279420416

 

UPDATE VI – Harry Reid quoting the Obamacare lies of Jonathan Gruber on the Senate Floor. Keep in mind that Gruber said that the bill was written “in a tortured way” to fool the CBO:

Here is Democrat Senate Leader Harry Reid calling MIT’s Jonathan Gruber “one of the most respected economists in the world,” Harry Reid confidently predicts that thanks to Obamacare, 93% of Americans will see reductions in health care premiums of up to 60%, and 30 million more people will be covered, all while reducing the deficit.

UPDATE VII – Here is more history of Jonathan Gruber as well as his history in writing Obamacare – LINK.

UPDATE VIII – Melissa Francis: When I Worked At CNBC They Stopped Me From Telling The Truth About Obamacare, “I was silenced.”

UPDATE IX – More video shows Jonathan Gruber dismissing (mocking) voter concerns about government-run health care. Via Watchdog.org and The Blaze:

UPDATE X – Obamacare Architect Flat-Out Admits Administration ‘Mislabeled’ Key Part of Health Care Law in Sixth Video – LINK.

UPDATE XI – Hitler Finds Out Field Marshal Gruber Spilled the Beans

UPDATE XII – Gruber in an Obamacare campaign video

UPDATE XIII – Brit Hume blasts…

UPDATE XIV – More Democrats praising Gruber before denying him:

UPDATE XV – Sharyl Attkisson: Bias in Media Coverage of Gruber Comments:

UPDATE XVI – Kirsten Powers ‘Truly Stunned’ By Media Blackout of ‘Stupid Americans’ Videos – LINK.

UPDATE XVII – Gruber: Obama personally asked me to help disguise unhelpful Obamacare facts – LINK.

UPDATE XVIII – Jon Stewart torches Jon Gruber and Nancy Pelosi – VIDEO LINK.

UPDATE XIX – AWESOME – Jake Tapper explains why “Grubergate” is so important:

71% of Obamacare Signups Actually Government Medicaid Enrollment

The Daily Signal:

The vast majority of Americans  gaining health coverage under Obamacare actually qualified for Medicaid because of loosened eligibility —and that’s what boosted enrollment among those previously uninsured, according to a new report from The Heritage Foundation.

The Obama administration has boasted that the Affordable Care Act, popularly known as Obamacare, would allow those previously uninsured to purchase quality, affordable health care.

“The inescapable conclusion is that, when it comes to covering the uninsured, Obamacare so far is an expansion of Medicaid,” Heritage Foundation health policy experts Edmund F. Haislmaier and Drew Gonshorowski write in a research paper scheduled for release today.

Officials announced in May that more than 8 million Americans had picked a health plan on the Obamacare website, HealthCare.gov.

Haislmaier and Gonshorowski conclude that 8.5 million Americans gained coverage through Obamacare from January to July.

However, their paper says, more than 70 percent of those signups can be traced to the expansion of Medicaid eligibility in 24 states:

Of the 8.5 million total individuals who gained health insurance coverage, 71 percent of that net coverage gain was attributable to Obamacare’s expansion of Medicaid to able-bodied, working-age adults.

Continue reading HERE.

Aetna: 30% of Obamacare signups have dropped since May

Thirty percent of Obamacare signups have dropped since May.

Maybe because Obamacare is too expensive, has freakishly high deductibles, and the job market is a disaster.

Via The Daily Caller:

The number of Obamacare enrollments for top health insurer Aetna is plummeting, according to a report from Investor’s Business Daily.

Aetna’s enrollment reached 720,000 by May 20, after the final end to the the extended open enrollment period. But by the end of June Aetna had less than 600,000 paying customers, IBD reports, and the company expects paying customers to fall to “just over 500,000″ by the end of 2015. That would be a drop of just under 30 percent from the May sign-up numbers — the last time the Obama administration released its official Obamacare enrollment tally.

Aetna’s reported drop-off rate appears to be more extensive than other companies. Cigna reported that between both its exchange customers and those in the private individual market, it expects to lose around 20,000 paying customers throughout the year, out of 300,000.

The federal government released monthly enrollment reports throughout Obamacare’s first open enrollment period, but stopped offering details when widespread enrollment ended in mid-May. But Americans with certain qualifying life changes can still sign up for coverage on an Obamacare exchange at any time, and customers are regularly dropping coverage as well.

But the administration refuses to give out any details on the total enrollment and has never released information on the percentage of Obamacare sign-ups that followed through and paid their first premiums to activate their coverage. Most insurance companies have reported that by the end of the open enrollment period, only around 85 percent of those who signed up on Obamacare exchanges ended up buying a health insurance plan.

Forbes: Obamacare Has Increased Non-Group Premiums In Nearly All States

Via Forbes Magazine:

Now There Can Be No Doubt: Obamacare Has Increased Non-Group Premiums In Nearly All States

Remember this categorical assurance from President Obama?

“We’ll lower premiums by up to $2,500 for a typical family per year. .  .  . We’ll do it by the end of my first term as president of the United States”

OK, it’s probably a little unfair to take some June 2008 campaign “puffery” literally–even though it was reiterated by candidate Obama’s economic policy advisor, Jason Furman in a sit-down with a New York Times reporter: “‘We think we could get to $2,500 in savings by the end of the first term, or be very close to it.” Moreover, President Obama subsequently doubled-down on his promise in July 2012, assuring small business owners “your premiums will go down.”  Fortunately, the Washington Post fact-checker, Glenn Kessler, honestly awarded the 2012 claim Three Pinocchios (“Significant factual error and/or obvious contradictions”).

Unfortunately, this has never settled the debate. When the Society of Actuaries estimated spring 2013 that the ACA would result in increasing claims costs by an average of 32 percent nationally by 2017, such estimates could be dismissed as “projections” since at the time of this study, actual premiums in the Exchanges had not yet been announced.  A subsequent plethora of studies showed there had been double-digit increases in premiums (when comparing actual Exchange premiums to previously-prevailing premiums in the non-group market). However, virtually all of these studies focused only on Exchange premiums rather than premiums in the entire non-group market (only half of which consists of Exchange coverage). As a consequence, Obamacare proponents tended to dismiss these studies either as partisan attacks or methodologically limited, making what amounts to apples-to-oranges comparisons.

However, a new study from the well-respected and non-partisan National Bureau of Economic Research (and published by Brookings Institution), overcomes the limitations of these prior studies by examining what happened to premiums in the entire non-group market. The bottom line? In 2014, premiums in the non-group market grew by 24.4% compared to what they would have been without Obamacare.  Of equal importance, this careful state-by-state assessment showed that premiums rose in all but 6 states (including Washington DC).  It’s worth unpacking this study a bit to understand the ramification of these findings.

Non-Group Premiums Rose in 45 States Due to Obamacare

The non-group market can only be accurately assessed on a state-by-state basis. Obamacare. The law creates a single risk pool in each state for non-group coverage. That is, health insurers can sell policies inside or outside the Exchanges but they all are part of the same risk pool.  Unlike virtually all other studies that have been conducted to date, this new study examined premium data from both Exchange and non-Exchange plans, i.e., providing a picture of the complete non-group market rather than one segment.  This is crucially important since in nearly one third of states (16), Exchange coverage constitutes 40% or less of the entire non-group market (Table 1).

Of equal importance, unlike prior studies which simply compared pre-Obamacare premiums in 2013 to actual premiums offered on Exchanges in 2014, this new study isolates the causal impact of Obamacare statistically by using trend data in each state to figure out what non-group premiums in 2014 would have been in the absence of Obamacare. Thus, critics could dismiss many other so-called “pre-/post” studies by effectively saying “Well, premiums in the non-group have always gone up by a large amount, so what’s happening under Obamacare is no different.”  Such criticisms cannot be levied at this study. All of the percentage changes shown in the chart below represent the net change attributable to Obamacare after accounting for all the other factors that would have made premiums go up.[1]

PremiumIncreasesKowalski

Clearly, the adverse impact of Obamacare on non-group premiums varies sizably across states. The law is estimated to result in lower premiums in only 6 states. However, it should be noted that while the author presented premium estimates for California and New Jersey, the data for these two states is incomplete due to anomalous data reporting requirements. Thus, the large estimated premium decline of 37.5% in New Jersey likely would be different were full data available, but there is no way of telling by how much.

What is disturbing is to see premium increases in excess of 35% in 9 states, including some of the nation’s largest states (Florida and Texas). Remember, these are increases above and beyond normal premium trends.  No one can credibly claim that these massive premium increases would have happened anyway since the study was specifically designed to isolate the law’s impacts from all the other factors that have driven up premiums in recent years.

Taxpayers Will Pay About 24% More for Exchange Subsidies Due to Obamacare-induced Premium Increases.

Continue Reading HERE.

California Orders Churches To Fund Abortions—Or Else

This is real police state stuff. The Democrats’ war on the First Amendment continues. The Supreme Court has spoken on this question with the Hobby Lobby ruling, but Democrats will spend the taxpayers money if only to cost the good guys legal fees.

Via The Federalist:

For the past four years, the Obama administration and its friends on the Left were careful to claim that they still strongly support religious liberty while arguing that Hobby Lobby’s Green family, Conestoga Wood Specialties’ Hahn family, and others like them must lose. Principally, they contended, religious liberty protections could not be applied to Hobby Lobby because (1) It is a for-profit corporation, (2) It isn’t a church (and thus not a true “religious employer,” and (3) It is wrong on the science—Plan B, a copper intrauterine device, et cetera, they claimed, do not cause abortions. They implied, if not claimed outright, that they would surely support religious freedom in another case, but Hobby Lobby was unworthy to claim its protections.

The State of California is now calling their bluff. California’s Department of Managed Health Care has ordered all insurance plans in the state to immediately begin covering elective abortion. Not Plan B. Not contraceptives. Elective surgical dismemberment abortion.

At the insistence of the American Civil Liberties Union, the DMHC concluded that a 40-year-old state law requiring health plans to cover “basic health services” had been misinterpreted all these decades. Every plan in the state was immediately ordered, effective August 22, to cover elective abortion. California had not even applied this test to its own state employee health plans (which covered only “medically necessary” abortions). But this novel reading was nevertheless quietly imposed on every plan in the state by fiat.

The news has slowly leaked out as insurers grappling with this change have begun quietly informing employers of this sudden change in the terms of their policy. This is how Kaiser Permanente broke the news to one California church that its insurance policy for its pastors and staff would now include elective abortion coverage…

Continue reading HERE.

Obamacare: 222,000 Insurance Policies in Colorado to be Cancelled by 2015

Via The Daily Caller:

Over 22,000 Coloradoans have had their health insurance canceled by Obamacare in the past month — and 200,000 are slated to be shut down in 2015, the state insurance department announced Friday.

The Colorado Division of Insurance wrote to state Senate Republicans Friday, notifying them that five more insurance carriers have ended plans for 18,783 more Coloradoans in just the last month. By far, the most canceled plans will come from Humana Insurance Company and Humana Health Plan.

That brings the state’s Obamacare total to almost 340,000 canceled plans, according to Republican Rep. Cory Gardner, who’s in a tight race for Senate with incumbent Democrat Sen. Mark Udall.

“Coloradoans continue to pay the price for Senator Udall’s broken promise,” Gardner said in a statement Friday. “It’s unfortunate that Senator Udall has been so eager to please President Obama that he has forgotten thousands of Coloradoans across our state.”

Widespread Obamacare cancellations have been a political loser for Obamacare-supporters across the country, but the issue is especially fraught in Colorado.

Continue reading HERE.

NYT: $6,000 Obamacare deductibles makes seeing a doctor unaffordable

The we told you so’s just keep coming. Obama won a second term so now the NYT prints what we told you years ago. If it weren’t for term limits we doubt this article would have been in the New York Times.

Via the New York Times:

 Patricia Wanderlich, who suffered a brain hemorrhage in 2011, had to forgo a brain scan this year because of the Obamacare high deductible.
Patricia Wanderlich, who suffered a brain hemorrhage in 2011, had to forgo a brain scan this year because of the Obamacare high deductible. (Credit Rob Hart NYT)

Patricia Wanderlich got insurance through the Affordable Care Act this year, and with good reason: She suffered a brain hemorrhage in 2011, spending weeks in a hospital intensive care unit, and has a second, smaller aneurysm that needs monitoring.

But her new plan has a $6,000 annual deductible, meaning that Ms. Wanderlich, who works part time at a landscaping company outside Chicago, has to pay for most of her medical services up to that amount. She is skipping this year’s brain scan and hoping for the best.

“To spend thousands of dollars just making sure it hasn’t grown?” said Ms. Wanderlich, 61. “I don’t have that money.”

About 7.3 million Americans are enrolled in private coverage through the Affordable Care Act marketplaces, and more than 80 percent qualified for federal subsidies to help with the cost of their monthly premiums. But many are still on the hook for deductibles that can top $5,000 for individuals and $10,000 for families — the trade-off, insurers say, for keeping premiums for the marketplace plans relatively low. The result is that some people — no firm data exists on how many — say they hesitate to use their new insurance because of the high out-of-pocket costs.

Insurers must cover certain preventive services, like immunizations, cholesterol checks and screening for breast and colon cancer, at no cost to the consumer if the provider is in their network. But for other services and items, like prescription drugs, marketplace customers often have to meet their deductible before insurance starts to help.

While high-deductible plans cover most of the costs of severe illnesses and lengthy hospital stays, protecting against catastrophic debt, those plans may compel people to forgo routine care that could prevent bigger, longer-term health issues, according to experts and research.

“They will cause some people to not get care they should get,” Katherine Hempstead, who directs research on health insurance coverage at the Robert Wood Johnson Foundation, said of high-deductible marketplace plans. “Unfortunately, the people who are attracted to the lower premiums tend to be the ones who are going to have the most trouble coming up with all the cost-sharing if in fact they want to use their health insurance.”

Deductibles for the most popular health plans sold through the new marketplaces are higher than those commonly found in employer-sponsored health plans, according to Margaret A. Nowak, the research director of Breakaway Policy Strategies, a health care consulting company. A survey by the Kaiser Family Foundation found that the average deductible for individual coverage in employer-sponsored plans was $1,217 this year.

In comparison, the average deductible for a bronze plan on the exchange — the least expensive coverage — was $5,081 for an individual and $10,386 for a family, according to HealthPocket, a consulting firm. Silver plans, which were the most popular option this year, had average deductibles of $2,907 for an individual and $6,078 for a family.

Obamacare and the New Economics of Part-Time Work

Via the Mercatus Center at George Mason University:

Starting this year, the United States’ working population will face three major employment disincentives resulting from the very benefits the Affordable Care Act (ACA) provides: (1) an explicit tax on full-time work, (2) an implicit tax on full-time work for those who are ineligible for the ACA’s health insurance subsidies, and (3) an implicit tax that links the amount of available subsidies to workers’ incomes.

A new study published by the Mercatus Center at George Mason University advances the understanding of how much these ACA taxes will reduce overall employment, and why. It concludes that the reduction will be nearly double that projected by previous analyses. Labor markets ultimately will reduce weekly employment per person by about 3 percent—translating to roughly 4 million fewer full-time-equivalent workers.

Below is a brief summary of this important update. Please see “The Affordable Care Act and the New Economics of Part-Time Work” to read the entire study and to learn more about author Casey B. Mulligan, a professor of economics at the University of Chicago.

__________ Key Findings  __________

Much of the ACA’s tax effect resembles unemployment insurance: both encourage layoffs and discourage people from returning to work. The ACA’s overall impact on employment, however, will arguably be larger than that of any single piece of legislation since World War II.

  • The ACA’s employment taxes create strong incentives to work less. The health subsidies’ structure will put millions in a position in which working part time (29 hours or fewer, as defined by the ACA) will yield more disposable income than working their normal full-time schedule.
  • The reduction in weekly employment due to these ACA disincentives is estimated to be about 3 percent, or about 4 million fewer full-time-equivalent workers. This is the aggregate result of the law’s employment disincentives, and is nearly double the impact most recently estimated by the Congressional Budget Office.
  • Nearly half of American workers will be affected by at least one of the ACA’s employment taxes—and this does not account for the indirect effect on others as the labor market adjusts.
  • The ACA will push more women than men into part-time work. Because a greater percentage of women work just above 30 hours per week, it is women who will be more likely to drop to part-time work as defined by the ACA.

Continue reading for the details.

Mercatus Mulligan-ACA-Employment-infographic

Must See Video: How Chicago TEA Party Leader Saved Outspoken Cancer Patient and Was Targeted by the IRS

In the video blow you will see Bill Elliot, who lost his insurance due to Obamacare, could not afford the new Obamacare premiums and deductibles, had resigned himself to die:

Along comes C. Steven Tucker, Chicago TEA Party Leader and also one of the top insurance brokers in the country. Tucker reached out to Bill Elliot and this is how he saved Mr. Elliot’s life, but the IRS was not amused about telling their story on Fox News:

Government shutdown veiling an assault on separation of powers, oversight, and the budgetary authority of Congress

by Chuck Norton

UPDATE – Just as we predicted, Democrats in the Senate are floating a bill to allow the President to raise the debt limit in direct violation of Article I of the Constitution. The Democrats have written the bill so that it would take a super majority in both chambers to block the President from giving himself an unlimited credit card.

Congress is not a rubber stamp. What President Obama and the Democrats are doing is a frontal assault on separation of powers, Congress’s power and responsibility of oversight of the Executive Branch,  and the budgetary authority of Congress

Obama pointingThe Democratic Party is pining for a powerful post-constititional Executive Branch that can illegally line item veto, pick and choose who laws will and wont apply to – Chicago style, and seize power to legislate on its own.

Legislating On His Own

Since the passage of the Affordable Care Act, also known as Obamacare, President Obama has taken it upon himself to change the law in ways he sees fit, a power that only Congress has under the Constitution. President Obama has given over 1,400 waivers to political allies be it groups or businesses which is illegal and corrupt.

The Grassley Amendment mandates that the Affordable Care Act apply to Congress just as it would to regular citizens; a law the President has waived under no constitutional authority whatsoever. He has done this in collusion with some in the congressional leadership and over the objection of some Republicans who believe doing so is unfair.

If a Republican president had behaved such a way Democrats and their friends in the praetorian media would be screaming for impeachment and enough Republicans would likely agree to get it done. Until this recent assault on the constitutional authority of Congress, Republicans have been somewhat timid in fear of being called “racist” by the praetorian media.

While Democrats would claim that Obama’s actions fall under the regulatory authority granted to the Executive Branch by Congress, regulatory authority is for the purpose of creating due process in carrying out the laws passed by Congress. It is not license to change the law or invent new laws unilaterally, nor is such authority permission to pick and choose winners and losers by deciding what parts will apply to who and who it will not. The President is seizing the power to legislate on his own and has been doing this more and more be it immigration laws, voting laws, domestic spying, and the list goes on.

UPDATE – Newt Gingrich: The President has decided that he wants to be “Legislator In Chief” – http://tiny.cc/wrtw4w

Many things are negotiable, equality under the law is not.

Assault on the Oversight and Budgetary Authority of Congress

Normally, under the regular order of appropriations and budgeting, committees in Congress will hold hearings on and then vote on how your money is spent, how much is spent, and review the stewardship of that spending after the fact with its constitutionally mandated power of oversight. This is how government is accountable to you and the representatives in Congress that you elect.

Through the committee and appropriations process the separate segmented appropriations measures are put together into a budget which sets the taxing and spending limits of various parts of the government. Next, the parts of the budget are reviewed and combined by certain standing committees in Congress such as the Budget Committee; that budget is then voted on by the entire House and Senate. Once passed the Budget is published and anyone can examine it. This is the process that Congress has generally used for the last 200 years and is why this process is called “regular order“.

Regular order makes sense. When you look at your budget at home, you look at each line item, see where your expenses are going and you make priorities to adjust your expenses so that you don’t over spend, right?

When President Obama was elected the Democrats began to refuse to even consider passing a budget, abandoning all regular order. Since the Democrats control the Senate no budgets have been passed.

The Democratic Party Majority Leader in the Senate, Harry Reid, has said again and again that the House of Representatives has no right to pick and choose what it will fund and what it will not. Then Harry Reid and the Democrats started calling Republicans in the House hostage takers, anarchists, arsonists, terrorists, and every other “ists” you can think of. At the same time the Democrats have said they want an all or nothing blank check in the form of a continuing resolution instead of  a budget.

The Constitution of the United States says:

Article I Section VII – All Bills for raising Revenue shall originate in the House of Representatives

Article I Section VIII – The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States; To borrow Money on the credit of the United States;

Article I Section IX – No Money shall be drawn from the Treasury, but in Consequence of Appropriations made by Law; and a regular Statement and Account of the Receipts and Expenditures of all public Money shall be published from time to time.

The Constitution is clear that all bills dealing with revenue must originate in the House of Representatives; which also must pay the debts, set taxes, borrow money and as Section IX makes clear that the records must all be in a budget for the people to see.

By claiming that the House of Representatives does not have the right to do exactly what the Constitution instructs in plain English, the Democrats are trying to make an unconstitutional  “new normal” where there are no budgets, no oversight as we have known it for two centuries, and just write gargantuan blank checks in the form of massive continuing resolutions(CR) for President Obama to spend as he sees fit.

It is for these reasons that there is nothing clean about the Democrat’s demand for a “clean CR”.

Senator Mike Lee, who is well-known to be one of the top lawyers in the country, speaks of this:

Now Democrats are combining the two power grabs above by saying that Congress has no right to revisit Obamacare because it was passed (without a single republican vote) after Obama was elected and that only President Obama has the right and the power to (illegally) change the law on his own.

Of course the very idea Democrats and their friends in the praetorian media are pushing, that Congress can never revisit a law, is silly on its face. Social Security and Medicare are laws that have been on the books for decades and Congress has changed those programs many times.

It is the job of each new Congress to look at existing law and make changes where the people’s representatives see fit. The very notion that one Chief Justice or one President can decide Obamacare’s fate and that the Congress cannot is laughable and yet the praetorian media has been advocating this very point of view every night since the partial government shutdown.

In an effort to keep members of his own party in line President Obama has illegally changed the law by executive fiat to give Members of Congress and their staff a 72% subsidy if they buy the expensive coverage on the Obamacare Exchange, other portions of the law do not apply to Congress as well.

Strong Arm Tactics

Aside from constant smear tactics, name calling, and lies crafted in such a way to sound oh so reasonable, the President has ordered his administration to cause as much pain and disruption on the American people as possible.

The Obama Administration ordered federal police to close the open air WWII Memorial and went so far as to rent “barrycades” to keep visiting WWII vets out.

Republican Members of Congress assisted the aged vets in “storming” their own memorial. Park Rangers, who are veterans themselves, refused to lay a hand on our WWII heroes:

The Obama administration ordered Park Police to close even privately funded memorials, private businesses adjacent to them,  and even ordered elderly couples to be ejected from their homes which are adjacent to Lake Mead. In doing so Democrats have blamed Republicans for these outrages and for the most part the praetorian media has gone along with it. None of these parks or memorials were closed in the 17 previous government shutdowns since 1976.

The administration has threatened military priests who attempt to give Mass during the partial shutdown with arrest, and the administration has ordered that thousands of Department of Defense workers be furloughed in spite of the fact that the Defense Department has already been paid for with a separate continuing resolution. Of course President Obama has ordered the military to keep his personal retreat at Camp David open while cutting football and baseball coverage from the Armed Forces Television.

Speaker Boehner is outraged by the administration’s behavior:

President Obama has deliberately tried to spook the markets which affects the savings of millions of Americans in hopes to damage the economy even worse so that he can also blame that on Republicans.

The latest attempt to spook the markets is to threaten default on the national debt if the House of Representatives doesn’t give him all of the power that he wants. The 14th Amendment demands that the President make the scheduled payments on the debt. The Treasury takes in almost $240 billion a month which is much more than enough to pay the debt, Social Security etc. President Obama would have to willingly decide to default on the debt.

President Obama has also said that it is unprecedented for the Congress to attach strings to a raising of the debt ceiling. In fact, Congress has done so dozens of times as that is their enumerated power under the Constitution. When Obama was a Senator he favored just such a tactic himself. The President’s lie was so over the top that McClatchy News, Forbes, The Wall Street Journal, Politico, and Fox News have all reported that the President’s claims are bunk.

The New Republic, a political magazine that favors the Democratic Party, has suggested that President Obama use the military against TEA Party activists. Other media outlets who have historically slanted reporting to favor the Democratic party have found President’ Obama’s rather obvious falsehoods a threat to their own credibility and thus are sending messages that their willingness to spin for him has limits.

NBC’s Chuck Todd grilled Jay Carney on why the White House won’t accept some of these individual continuing resolutions passed by the House to fund portions of the government that will put some people back to work:

A New York Times reporter has said that the Obama admin is, “most closed, control-freak administration I’ve ever covered.”

While Obamacare may offer an expensive policy, which is implemented more like a massive tax, in exchange for “deductible not met”, “claim denied”, & “procedure not covered”; this fight is about much more than Obamacare, it is about power. A massive swing of power from the representatives of the people to the President. This is genuine third world style authoritarian power play.

One might not feel the authoritarian chill as of yet, but just wait until the next debt ceiling or government spending fight that leads to a partial shutdown and the President decides to abuse the power of Obamacare to halt payments for medical visits and prescription drugs as leverage to get his way. It is not a matter of if, it is a matter of when.

Editor’s Note: A reader sent a note asking, “What about the budgets that President Obama proposed and what about the budget that Harry Reid put up in March 2013?”

These are good questions but the answer is well known to those who have followed politics.

President Obama’s budgets got next to no support from his own caucus in the Senate as they were so outrageous that Democrats did not want to sign their name on it or be associated with it. Since the Senate Democrat Caucus would not back the House GOP budgets or the President’s budgets they died in the Senate.

After taking criticism for the abandonment of Regular Order for not passing any budgets for four years, Senate Democratic Majority Leader Harry Reid put up an outrageous budget last March (2013) that was completely unserious, was opposed by four Democrat Senators, violated the Sequestor Law, and amounted to a political gag – as explained by The Hill:

The Senate-passed budget has $975 billion in new taxes, does not balance, and does not cut spending when the fact it turns off sequestration is taken into effect.

The Constitution is clear that tax bills MUST start in the House. Any tax increase that is not approved by the House first is a non-starter. Harry Reid putting up a budget that violated the Sequestor Law and imposes almost a trillion in new taxes was out of Regular Order. Of course Reid knew it, and so did those four Democrats who voted against such a stunt. Reid put up that “budget” to create the illusion of supporting Regular Order when the heat was on. This was no secret as press reports and political blogs reported as much.

UPDATE – Obama campaign manager David Plouffe accuses House Republicans of TREASON for not handing Obama a blank check CR

UPDATE – Obama Administration hires private armed thugs to ring Independence Hall http://tiny.cc/9ybr4w

UPDATE – ‘Gestapo’ tactics meet senior citizens and foreigners at Yellowstone as armed men on orders from the Obama Administration round them up and lock them up – http://www.eagletribune.com/local/x1442580353/Gestapo-tactics-meet-senior-citizens-at-Yellowstone

UPDATE – Senator Mike Lee: The best argument against Obamacare is the behavior of the Obama administration during the “shutdown”; DO WHAT I SAY OR ELSE:

McDonald’s Franchisee: ‘Obamacare Will Negatively Hit Us Like Nothing Else’

Previously McDonalds Corp said that they expect Obamacare to cost $30,000 per store per year.

Huffington Post:

Here’s one thing you likely won’t find a McDonald’s franchise owner happy to ask his employees anytime soon: “Would you like a side of health care with that shake?”

That’s because some of the fast food chain’s franchisees say that the costs associated with President Obama’s health care reform law will cut deep into profits, according to a recent survey of 25 McDonald’s owners conducted by Janney Capital Markets obtained by The Huffington Post.

One franchisee even went so far as to say, “Obamacare will negatively hit us like nothing else,” according to the survey.

Some franchisees said they’re suffering from McDonald’s overemphasis on discount deals. Others claimed the chain’s new product, the McWrap, isn’t a sure bet. McDonald’s has seen slumping sales since last summer and Obamacare, some franchise owners say, is only going to make things worse.

“Obamacare is going to destroy already low profits, [and] McDonald‟s Corporation does not seem to care,” adding, “the future looks BLEAK.”

Multiple Reports: Number of Uninsured To Rise Under Obamacare

Not just because of skyrocketing premiums due to all of the federal mandates and taxes, but because most those who will enroll in any existing health care exchanges will be from those who were previously insured by their employer. Employers are being forced to dump health coverage for employees because Obamacare rules and costs discourage employers from insuring their employees.

National Center for Policy Analysis:

It is cruelly ironic, but the massive law that was enacted to solve the problem of the uninsured in America is more likely to worsen it. This would be true even if the program is perfectly implemented and all the provisions come online on time and within budget.

How could this be? It is a multistep process. Stay with me for a second.

First, the simplest and most direct form of expanding coverage — Medicaid expansion — is likely to have very little effect. I’m not talking here of the states that refuse to do it after the Supreme Court made it optional, but of the entire program.

Remember that one-third of the uninsured have always been eligible for Medicaid and/or SCHIP coverage but don’t bother to sign up. Actually, it is worse than that. A few years ago, William Sommers wrote in Health Affairs that one-third of all uninsured children had been enrolled in Medicaid or SCHIP within the previous year but their parents found so little of value that they didn’t bother to re-enroll them.

Nothing about ObamaCare’s Medicaid expansion is likely to change this dynamic. Yes, there will be more advertising, and yes a larger number of people will be eligible, but quite of a few of those newly eligible people are already getting coverage on the job, so any expansion of enrollment is likely to be a crowd-out of private insurance. One of ObamaCare’s architects, Jonathan Gruber, has done extensive research on this subject and concluded that as much as 60% of the enrollment in expanded public programs is from people who had been privately insured. No doubt this effect grows bigger the higher up the income scale you go.

By the way, a recent example of this crowd-out phenomenon is revealed in a new study by the Robert Wood Johnson-funded State Health Access Data Assistance Center (SHADAC). Much has been made of the numbers of adult “children” covered under ObamaCare’s mandate allowing people up to age 26 to stay on their parent’s policies. This study shows that the number of such people covered as dependents on employer plans rose from 30.2% of the population group in 2009 to 36.5% in 2011. Sounds like a great success until you realize that the percentage of that age group that had employer coverage in their own names dropped from 21.8% in 2009 to 16.5% in 2011. So, virtually all of the people now covered as dependents were previously covered on their own.

Less studied is the stark reality that many of the people who might be eligible for Medicaid are simply too dysfunctional to enroll. They might be functionally illiterate, drug addicted, mentally ill, outlaws, or in the underground economy and not want to bring attention to themselves. They can’t understand an insurance contract or make and keep appointments for services, but they know where the doctors are 24/7 — the hospital emergency department. When these people have a health problem they don’t need insurance coverage. They need direct care.

Continue reading HERE.

Obama Medicare Cuts Raise Middle Class Premiums

Of course “cuts” doesn’t tell the whole story. That money, $714 billion, was not returned to the taxpayer, nor was that money used to pay the debt, nor was it returned to those who have paid into medicare for decades. Instead, that money was robbed from those who paid medicare premiums. The Democratic Party leadership along with President Obama used that money to pay Obamacare bureaucrats and write the reams of regulations associated with it.

Yahoo News:

WASHINGTON (AP) — Retired as a city worker, Sheila Pugach lives in a modest home on a quiet street in Albuquerque, N.M., and drives an 18-year-old Subaru.

Pugach doesn’t see herself as upper-income by any stretch, but President Barack Obama’s budget would raise her Medicare premiums and those of other comfortably retired seniors, adding to a surcharge that already costs some 2 million beneficiaries hundreds of dollars a year each.

More importantly, due to the creeping effects of inflation, 20 million Medicare beneficiaries would end up paying higher “income related” premiums for their outpatient and prescription coverage over time.

Administration officials say Obama’s proposal will help improve the financial stability of Medicare by reducing taxpayer subsidies for retirees who can afford to pay a bigger share of costs. Congressional Republicans agree with the president on this one, making it highly likely the idea will become law if there’s a budget deal this year.

But the way Pugach sees it, she’s being penalized for prudence, dinged for saving diligently.

It was the government, she says, that pushed her into a higher income bracket where she’d have to pay additional Medicare premiums.

IRS rules require people age 70-and-a-half and older to make regular minimum withdrawals from tax-deferred retirement nest eggs like 401(k)s. That was enough to nudge her over Medicare’s line.

“We were good soldiers when we were young,” said Pugach, who worked as a computer systems analyst. “I was afraid of not having money for retirement and I put in as much as I could. The consequence is now I have to pay about $500 a year more in Medicare premiums.”

Study: Obamacare To Increase Claims Costs 32 Percent. White House Response Misleading…

By Chuck Norton

This is what happens when you add 21 new taxes to healthcare and insurance, 20,000 pages of new regulations (so far) and hundreds of new mandates on insurance, many of which make no sense.

The IRS estimates that the cheapest Obamacare approved health plan available in 2016 (to avoid the penalty) will cost $20,000.

In bold face below is the administration’s response to this study and what they say is just plain dishonest. Why?

The Obama Administration is trying to confuse people on cost vs price. A small percentage of Americans will have their skyrocketing health insurance premiums partially subsidized by the government, but while that may bring down the price of the premium, the actual cost of the premiums and the rising cost of the claims due to the taxes and regulations still skyrockets.

In this case price does not equal cost. For example: If your son goes to the store to buy a Hot Wheels car that costs $3.00 and your son only has $2.00, if you give him the extra dollar to pay for it, the cost of the toy car is still $3.00.

The idea of the subsidy making insurance affordable is also misleading because those who will be able to qualify to get help paying their premiums, will still not be able to afford their portion of the insurance premium because the cost of the insurance will be so high – subsidized or not.

This very writer’s employer subsidized health insurance premium went from about $30.00 a month to $267.00 and I make too much money to qualify for a subsidy. The poor simply cannot afford to pay it.

The other misleading statement from the Obama Administration is that some people can go on the state insurance exchange and get the state exchange to pay for part of their insurance premium. Setting aside the cost does not equal price fact we explained above, many states are not participating in the exchange. Why? Because after the first three years of Obamacare the states have to pay the subsidized portion of the rising premiums themselves which state after state has made very clear will bankrupt them (assuming that the poor would have the money to sign up and pay for their part of the estimated $20,000 per year premium).

AP/Fox News:

Medical claims costs — the biggest driver of health insurance premiums — will jump an average 32 percent for Americans’ individual policies under President Obama’s overhaul, according to a study by the nation’s leading group of financial risk analysts.

The report could turn into a big headache for the Obama administration at a time when many parts of the country remain skeptical about the Affordable Care Act. The estimates were recently released by the Society of Actuaries to its members.

While some states will see medical claims costs per person decline, the report concluded the overwhelming majority will see double-digit increases in their individual health insurance markets, where people purchase coverage directly from insurers.

The disparities are striking. By 2017, the estimated increase would be 62 percent for California, about 80 percent for Ohio, more than 20 percent for Florida and 67 percent for Maryland. Much of the reason for the higher claims costs is that sicker people are expected to join the pool, the report said.

The report did not make similar estimates for employer plans, the mainstay for workers and their families. That’s because the primary impact of Obama’s law is on people who don’t have coverage through their jobs.

The administration questions the design of the study, saying it focused only on one piece of the puzzle and ignored cost relief strategies in the law such as tax credits to help people afford premiums and special payments to insurers who attract an outsize share of the sick. The study also doesn’t take into account the potential price-cutting effect of competition in new state insurance markets that will go live on Oct. 1, administration officials said.

“It’s misleading to look at only some of the provisions of the law because, taken together, the law will reduce costs,” said Health and Human Services spokeswoman Erin Shields Britt.

But a prominent national expert, recently retired Medicare chief actuary Rick Foster, said the report does “a credible job” of estimating potential enrollment and costs under the law, “without trying to tilt the answers in any particular direction.”

Fed-Ex Founder: Govt regulations make it very difficult to start an industrial business today (video)

And this is a fact, as of March 13, 2013 these are just the Obamacare regulations, over 20,000 pages (photo below). The tax code is over 60,000 pages.

Apple founder Steve Jobs, according to his book, told Obama that government has rendered it almost impossible for him to build a factory here in the United States, which is why he builds them in China. This very writer has a dear friend who runs a small business with less than ten employees. He tells me of the constant efforts by state and federal bureaucrats to put him out of business.

Obamacare regulations printed
Over 20,000 pages of Obamacare regulations as of March 2013. Courtesy Senator Mitch McConnell

Universal Studios Drops Health Insurance For Part Timers

Related:

IRS: Cheapest Obamacare Plan Will Cost $20,000 Per Family

Aetna CEO: Health insurance premiums will double because of Obamacare

Our Health Law Category – LINK

Via The Inquisitir:

The  Universal Studios theme park resort in Florida will end health insurance for part-time employees as of December 31 as a direct result of Obamacare.

As The Inquistir has previously reported, other employers in retail or in the restaurant business and  in other sectors are doing the same or offloading full-time employees into a part-time status (less than 30 hours a week) so they don’t qualify for existing coverage. Irrespective of the need to hire more employees, some firms are purposely keeping headcount below 50 workers to avoid the law’s provisions altogether.  Despite supporting Obamacare, many politically connected unions have sought and received waivers from the law’s provisions.

Universal explained that its low-premium plan (commonly referred to as a “mini-med” plan) that places a cap on annual benefits is no longer permitted under Obamacare. Universal, one of the largest employers in central Florida, claims, however, that only three percent of its employees will be affected by the change according to the Orlando Sentinel. The paper also reported that Walt Disney World is “still assessing the health-care reform act and how it impacts our business.”

Similarly, according to the Financial Times, David Dillon, chief executive of the Kroger supermarket chain, commented “that some companies might opt to pay a government-mandated penalty for not providing insurance because it was cheaper than the cost of coverage.”

Aetna CEO Mark Bertolini claimed that health insurance premiums for some small businesses and individuals could double next year under Obamacare, according the Bloomberg news agency.

The Los Angeles Times had similar findings about the possibility of premium sticker shock:

“Exactly how high the premiums may go won’t be known until later this year. But already, officials in states that support the law have sounded warnings that some people — mostly those who are young and do not receive coverage through their work — may see considerably higher prices than expected.”

You’ll recall that in the long struggle to get Congress to narrowly approve Obamacare, the president repeatedly insisted that if you like your current insurance, you can keep it.  He and his Democrat colleagues also maintained that the law would health insurance less expensive or more widely available.

NBC News has reported that about eight million people, however, will lose their employer-provided health insurance altogether as a result of the so-called fiscal cliff deal, the Congressional Budget Office has estimated.

 

California “Millionaires Tax” to treat mentally ill, used for other purposes…..

No matter what the tax is, it is sold to help fund “the children”, “the sick”, “the disabled”…. and what kind of sick greedy capitalist bastard are YOU to oppose it!! YOU HATE CHILDREN!!

The good ole “bait and switch” is almost the oldest trick in the book, and is used by the left as a matter of routine.

[Editor’s Note: For more on how the Proposition 63 Tax was a failure and how the resources were misused and eventually misappropriated to pet projects click HERE.]

Mercury News – Prop 63 hasn’t solved California’s mental health care crisis:

If President Barack Obama wants a model for solving the nation’s mental health care crisis, he needs to find a better one than California.

Senate President Pro Tempore Darrell Steinberg urged Obama to adopt California’s Proposition 63 as the nation’s model following the tragic shootings in Newtown, Conn., which raised awareness of mental health as well as gun control issues. Steinberg has asked Obama to consider matching dollar for dollar the money that states put into their mental health programs.

Proposition 63, approved by voters in 2004, was sponsored by Steinberg. It has, indeed, been good at raising money. The 1 percent tax on millionaires’ incomes has netted more than $8 billion over eight years.

But what does California have to show for it? Fewer psychiatric hospital beds, fewer doctors treating patients and fewer clinics across the state. An estimated 750,000 California adults failed to receive mental health treatment they needed last year.

And if California is making any progress in reducing the use of its jails and prisons to warehouse the mentally ill, it’s news to us. About half of the counties in the state have no inpatient psychiatric services.

The formula for distributing Proposition 63 money allocates significant amounts to counties for new programs for new patients rather than older but still-needed programs for longtime patients. And last year’s budget cuts made matters worse. While Proposition 63 raised $1 billion in dedicated funding, the Legislature took $798 million of nonrestricted money away from other mental health programs.

The result is a two-tier system in which a wave of new programs is flush with cash while long-standing programs serving the vast majority of patients are crunched for money.

“If we could fund the programs we need, we could greatly reduce the number of people in our jails and prisons,” says Jessica Cruz, executive director of California’s branch of the National Alliance on Mental Illness, who supports the Proposition 63 programs but thinks more money is needed for others. “We could help reduce the number of mentally ill crowding our hospital emergency rooms and the homeless wandering our streets.”

A Department of Justice study found that 56 percent of state prisoners and 64 percent of local jail inmates have symptoms of serious mental illnesses. And 75 percent of those inmates received no treatment while incarcerated. Three out of every four people with serious mental illnesses can be successfully treated for a fraction of the annual cost of $47,102 of housing an inmate in California’s prisons.

Cruz notes that only 2 percent of mentally ill people are violent. If California could reach them before their problems manifest themselves in horrific fashion, we could make communities safer, save taxpayers money any improve the lives of thousands who now have nowhere to turn for help.

IRS: Cheapest Obamacare Plan Will Cost $20,000 Per Family

Your employer might cover part of it, or the taxpayers may cover a part of it, but no matter who pays, the cost of insurance is going way up, while at the same time driving down the available resources for medical services.

Via CNS News:

In a final regulation issued Wednesday, the Internal Revenue Service (IRS) assumed that under Obamacare the cheapest health insurance plan available in 2016 for a family will cost $20,000 for the year.

Under Obamacare, Americans will be required to buy health insurance or pay a penalty to the IRS.

The IRS’s assumption that the cheapest plan for a family will cost $20,000 per year is found in examples the IRS gives to help people understand how to calculate the penalty they will need to pay the government if they do not buy a mandated health plan.

The examples point to families of four and families of five, both of which the IRS expects in its assumptions to pay a minimum of $20,000 per year for a bronze plan.

“The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000,” the regulation says.

Bronze will be the lowest tier health-insurance plan available under Obamacare–after Silver, Gold, and Platinum. Under the law, the penalty for not buying health insurance is supposed to be capped at either the annual average Bronze premium, 2.5 percent of taxable income, or $2,085.00 per family in 2016.

In the new final rules published Wednesday, IRS set in law the rules for implementing the penalty Americans must pay if they fail to obey Obamacare’s mandate to buy insurance.

To help illustrate these rules, the IRS presented examples of different situations families might find themselves in.

In the examples, the IRS assumes that families of five who are uninsured would need to pay an average of $20,000 per year to purchase a Bronze plan in 2016.

Using the conditions laid out in the regulations, the IRS calculates that a family earning $120,000 per year that did not buy insurance would need to pay a “penalty” (a word the IRS still uses despite the Supreme Court ruling that it is in fact a “tax”) of $2,400 in 2016.

For those wondering how clear the IRS’s clarifications of this new “penalty” rule are, here is one of the actual examples the IRS gives:

“Example 3. Family without minimum essential coverage.

“(i) In 2016, Taxpayers H and J are married and file a joint return. H and J have three children: K, age 21, L, age 15, and M, age 10. No member of the family has minimum essential coverage for any month in 2016. H and J’s household income is $120,000. H and J’s applicable filing threshold is $24,000. The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000.

“(ii) For each month in 2016, under paragraphs (b)(2)(ii) and (b)(2)(iii) of this section, the applicable dollar amount is $2,780 (($695 x 3 adults) + (($695/2) x 2 children)). Under paragraph (b)(2)(i) of this section, the flat dollar amount is $2,085 (the lesser of $2,780 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, the excess income amount is $2,400 (($120,000 – $24,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $200 (the greater of $173.75 ($2,085/12) or $200 ($2,400/12)).

“(iii) The sum of the monthly penalty amounts is $2,400 ($200 x 12). The sum of the monthly national average bronze plan premiums is $20,000 ($20,000/12 x 12). Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on H and J for 2016 is $2,400 (the lesser of $2,400 or $20,000).”

Aetna CEO: Health insurance premiums will double because of Obamacare

Of course Aetna is far from the first to say this. This very writer’s insurance premiums went up 12 times.

Famed economist and statistician Dr. John Lott:

So much for Obama’s promises.  From Bloomberg News:

Health insurance premiums may as much as double for some small businesses and individual buyers in the U.S. when the Affordable Care Act’s major provisions start in 2014, Aetna Inc. (AET)’s chief executive officer said.

While subsidies in the law will shield some people, other consumers who make too much for assistance are in for “premium rate shock,” Mark Bertolini, who runs the third-biggest U.S. health-insurance company, told analysts yesterday at a conference in New York. The prospect has spurred discussion of having Congress delay or phase in parts of the law, he said.

“We’ve shared it all with the people in Washington and I think it’s a big concern,” the CEO said. “We’re going to see some markets go up as much as as 100 percent.”

Bertolini’s prediction is at odds with Congressional Budget Office estimates . . . .

Average Wait Time for Surgery in Canada 17.7 Weeks

At least it is starting to improve after years of socialized medicine bringing quality down to the gutter. Largely because of the efforts of Prime Minister Harper and his TEA Party brand of economic conservatism have been introducing reforms and partial privatization back into the Canadian Healthcare System.

Fraser Institute:

CALGARY, AB—Patients face a median wait surgery wait times in Canadaof 17.7 weeks for surgical and other therapeutic treatments in Canada, down from 19.0 weeks in 2011, according to the 22nd annual edition of Waiting Your Turn: Wait Times for Health Care in Canada, released today by the Fraser Institute, Canada’s leading public policy think-tank.

On a national basis, median wait times have hovered between 16 and 19 weeks since 2000, following a marked deterioration in wait times during the 1990s when surgical waits grew steadily from 9.3 weeks in 1993 to 14 weeks in 1999. This year’s median wait of 17.7 weeks is 91 per cent longer than in 1993.

“While wait times have improved since last year, Canadians are still forced to wait more than four months, on average, for medically necessary treatment. Physicians, not to mention patients, consider this unreasonable,” said Nadeem Esmail, Fraser Institute senior fellow and co-author of the report.

One month after the election the job losses are staggering…..

As reported by the Daily Mail, Florida restaurant owner John Metz says he will offset the costs of Obamacare by “adding a five percent surcharge to customers’ bills and will reduce his employees’ hours.”

Obamacare is so filled with senseless mandates, bureaucratic overhead and taxes that it has already driven up the cost of family health insurance by $2,500 a year and this will just get worse as more of Obamacare is implemented.

Obamacare requires businesses or franchises with more than 50 workers must offer an approved insurance plan or pay a penalty of $2,000 for each full-time worker over 30 workers.

The program mandates that only employees working more than 30 hours a week are covered under their employers health insurance plan, chains like Olive Garden and Red Lobster are already considering reduced worker hours.

“Obviously, I’d love to cover all our employees under that insurance,” said Metz.

“But to pay $5,000 per employee would cost us $175,000 per restaurant and unfortunately, most of our restaurants don’t make $175,000 a year. I can’t afford it.”

From March of 2010 – John Deere: We will take $150 million hit from healthcare reform; Caterpillar: We will take $100 million hit just this year. UPDATE AT&T says ObamaCare bill will cost $1 billion per year!

Democrat campaign operatives had tried to paint those businesses reacting to as just a few actors disgruntled by the election and tried to fool people into believing that Obamacare makes healthcare more affordable.

A new web site called The Daily Job Cuts is attempting to catalogue the layoffs and business closings and even though they are making a worthy full time effort to list them all, they are still only able to report a fraction of the actual job losses.

In the last month:

Aside from the evil Papa Johns, Democrat political operatives need to be prepared to also ‘boycott’ these companies who are laying off thousands of people due to Obamacare and associated taxes: Olive Garden, Applebee’s, Red Lobster, Domino’s Pizza, Pizza Hut, Burger King, McDonald’s, Longhorn Steakhouse……

…..Google, Martha Stewart Living, Pepsi, PayPal, Groupon, Best Buy, Cisco Systems, Kraft Foods, Lockheed Martin, Sears, Lexmark, Yahoo!, Dupont, Boeing, Bristol-Myers, Cummins, Smithfield Foods, Hewlett-Packard, IBM, NBC/Universal, American Airlines, United Continental Holdings, JC Penney, Wausau Paper, Procter & Gamble, Texas Instruments, Pierce Manufacturing, Panasonic, Xerox, Citigroup, Atlantic City Casinos, Majestic Star Casino, RIM (Blackberry), Vestas Wind Systems, Utah American Energy, Turkey Point Nuclear Plant FL, United Technologies, Gamesa Energy, Wingspan Portfolio Advisors, Stryker Corp (A big Obama Donor), First Solar, Solel Solar Systems, LuLu Publishing, New Energy Corp, Supervalue (Albertson’s), Dana Corp, American Coal, Gamestop, Commercial Appeal, Patriot Coal, Archer-Daniels-Midland, SAS, CIGNA, 169 Shaws Supermarkets, Judson University, ATI Career Training Centers,  …

But boycotting these companies may be tough if you get sick or injured:

Nebraska Medical Center, Northwestern Memorial Hospital, Aveo Oncology, Kaiser Permanente, St Jude Medical, Lawrence & Memorial Hospital, St Lukes Cornwall Hospital, Emanuel Medical Center, GE Healthcare, WPS Health Insurance, Lower Bucks Hospital, United Blood Services Gulf Region, NY Center for Hospice/Palliative Care, CVPH Medical Center, Ameridose, Crouse Hospital Syracuse NY, San Diego Hospice, Glens Falls Hospital NY, Wake Forest Baptist Medical NC, Southwest Vermont Health Care, St Mary’s of Michigan Hospital, Orlando Health (hospitals), Carney Hospital, Good Samaritan Hospital, Englewood Hospital, LSU’s 7 Hospitals, Westchester Medical Center, Boston Children’s Hospital, UMass Memorial Medical Center, NCH Healthcare System, Peace Health, Northwest Community Healthcare, Cooley Dickinson Hospital, E.J. Noble Hospital, Health Alliance of the Hudson Valley, St. Joseph Hospital, St. Josepth Hospital East, Community Memorial Health System, Danbury Hospital, New Milford Hospital, Marian Regional Medical Center, Inland Hospital, Lawrence General Hospital, Blue Hill Memorial Hospital, Hutchinson Regional Medical Center, Gerald Champion Regional Medical Center, St Vincent Health System (hospital), Mercy Health Partners’ Hospital, St Mary’s Hospital, Jordan Hospital, Brattleboro Retreat (psychiatric hospital), CVPH Medical Center Pittsburg, Western Maryland Regional Medical Center (hospital), Cook Medical.

Unfortunately, you will not be able to boycott Hostess or the closings of 10 Boston area Upper Crust Pizzas, or the 200 Gamestop outlets. All are closing. There are so many closures that we just don’t have the space…

MORE:

Abbott Labs, Activision, Adventist Health, Airlines SAS, AMD, American Cotton Growers, Arcelor Mittal, American Independence Museum, Ameridose, American Airlines, American Coal, Atlantic Lottery Corporation, Assc Milk Producers, Aveo Oncology, Bankia, Bechtel Power Corp, Bigpoint Games, Boston Scientific, Brake Parts, Brattleboro Retreat,
Career Education, Cigna, Commerzbank, Consol Energy in W.V., Covidien, Crouse Hospital Syracuse NY, CVPH, DEP in Tallahassee FL, DuPont, Eagle-Tribune, Emanuel Medical Center, Energizer Holdings, Ericsson, Exide Tech, First Energy, Gameforge Berlin, GenOn Energy Inc, Groupon, GT Advanced Tech, Harris’ Broadcast, Hawker Beechcraft, Hill Rom,
Hills Holdings. HMX Group, Iberia Airlines, ICM of Colwich, ING, Juniper Networks, Kinetic Concepts, Kratos Defense Security, Lightyear Network Solutions, Lonza, Majestic Star Casino, Major Wind Company, Medtronic, Mills Manufacturing NC, Momentive Inc, Monitor Group, Montco Behavioral Health, NBC, Nebraska Medical Center, Neovia Logistics Services, New Energy, Ormet, Panasonic, PayPal, Penn Refrigeration, Penske Logistics, Pepsi, Philips Electronics, Pratt & Whitney Rocketdyne, Research in Motion, Rheem Manufacturing, Sentry Foods, Shaw’s Supermarket, Shawano Foundry WI, Smith & Nephew, Smithfield Packing Co., Southeastern Container, SpaceX, SRA Intl Inc, St. Jude Medical, Sulake, Sun Media, TE Connectivity, TECO Coal Corporation, The Providence Journal Co, TMX Group Ltd., Turbocare, Oce North America, UBS, US Cellular, Volvo Trucks Pulaski County, West Ridge Mine, Westinghouse, World Media Enterprises Inc, WPS Health Insurance, Wright Patterson AFB, Wyodak Coal Mine, Yakima Reg Med Ctr Washington.

Special thanks to C. Steven Tucker for helping me to build this list.

“If you are not careful, the newspapers will have you hating the people who are being oppressed and loving the people who are doing the oppressing.” – Malcolm X